Compare, with Freedom Insurance Group, homeowners insurance quotes for Big Spring, TX. We compare 25+ carriers and work with you to match coverage to the home and vehicles you actually own.
What home insurance costs in Big Spring, TX
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$182,000) | $1,089 | $632 |
| $300,000 dwelling | $1,349 | $782 |
| $600,000 dwelling | $1,898 | $1,101 |
| $1,000,000 dwelling | $2,470 | $1,433 |
The typical homeowners insurance premium in Big Spring, TX is about $1,089 annually for a typical local home (typical local home value about $182,000). For a $300,000 dwelling, expect around $1,349 per year; for a $600,000 home about $1,898; and for a $1,000,000 dwelling about $2,470. Freedom Insurance Group rates are often about 42% lower — near $632 per year for a typical home, roughly $782 for a $300,000 home, about $1,101 for a $600,000 home, and around $1,433 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,049 |
| $200,000 – $300,000 | $1,172 |
| $300,000 – $400,000 | $1,439 |
| $400,000 – $500,000 | $1,629 |
| $500,000 – $600,000 | $1,814 |
| $600,000 – $700,000 | $1,958 |
| $700,000 – $800,000 | $2,078 |
| $800,000 – $900,000 | $2,234 |
| $900,000 – $1,000,000 | $2,391 |
Band premiums are midpoints on the Big Spring dwelling curve (typical local home value about $182,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Big Spring, TX, using a typical local home value of about $182,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Big Spring, TX different
Roughly 28,862 people live in Big Spring and sits in Howard County.
Big Spring sits in the Howard County area, where day-to-day insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of the Howard County area, and replacement cost, roof age, and construction type still account for most premium differences from street to street.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk typical of the Plains.
Why Big Spring home insurance quotes differ
Multiple interlocking factors shape a Big Spring home premium, and carriers weigh them as a set when they build a quote. The deductible you choose and your claims history can change the final price as much as the choice of carrier, while rebuild cost, the roof’s age and material, and local storm or wildfire risk tend to dominate.
Rebuilding your house in comparable materials at current labor and material costs is what replacement cost means. In Big Spring, a larger rebuild estimate, premiums generally go up, because the insurer’s exposure grows.
Whether walls are frame or masonry, the roofing material, and overall build quality each affect how the property fares in the wind, hail, and fire common across Texas, so construction type and roof details matter too.
Homes in Big Spring with similar rebuild costs may still get different quotes due to location risk: storm, hail, wildfire, and crime scores that change by ZIP code and neighborhood.
Fire protection matters as well: a nearby hydrant, a short drive to the fire station, and a strong protection class can all help the premium.
Claims filed lately tied to the home or the household can raise premiums whether a Big Spring policy is renewing or new, since claims history still weighs heavily.
Credit-based insurance score, where state law permits, is one more factor; stronger scores usually correlate with lower prices when the carrier uses that factor.
Savings opportunities for Big Spring, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Carriers do not all offer the same discounts, and the amounts vary. “Up to” shows the maximum, not a guarantee.
What a standard home policy includes
- Dwelling (A): This is the limit that pays to rebuild the structure of your home after a covered loss, and it should keep pace with local rebuilding costs today.
- Other structures (Coverage B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Personal property (C): It protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (Coverage E): Coverage for times when the law holds you responsible for injuries to others or damage to their property from a covered incident.
- Coverage F, medical payments: If a visitor is injured at your home, this covers medical costs, often without a formal liability claim.
Big Spring, TX home & auto bundle savings
Average bundle savings, illustrated, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Big Spring, Texas | $258 | $436 | $636 |
Big Spring neighborhoods
- Brennard
- West Cliff
- North Park Hill
- Edwards Heights
- Park Hill
- Indian Hills
- Edwards Hills
- Rice
- Stardust
- Avion
- Indianola
- Webb Village
- Settles Heights
- Wright’s
- Wasson Place
- Mesa
Housing and weather facts for Big Spring
Since 2000, Howard County has been part of 6 major disaster declarations; the most recent was Severe Winter Storms (February 2021).
For heat, Big Spring households mostly rely on utility gas (55%) and electricity (43%).
FEMA’s National Risk Index flags hail (“Relatively High”), tornado (“Relatively Moderate”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively Moderate”) in Howard County.
The Census Bureau’s 2020–2024 American Community Survey counts about 10,462 housing units in Big Spring, and owners occupy roughly 65% of the occupied homes. Looking at building types, 77% are detached single-family houses and 18% are in buildings with two or more units.
The NOAA Storm Events Database logged 46 hail reports within about 6 miles of Big Spring from 2016 through 2025, 44 of them one inch or larger. The biggest was 3 inches in May 2016 near Vincent.
The median home in Big Spring was built in 1963. About 80% of homes predate 1980, which means electrical, plumbing, and roof upgrades can change eligibility and price.
Tornadoes are part of the picture too: NOAA recorded 4 tornadoes starting within 10 miles of Big Spring between 2016 and 2025, the strongest rated EF3 during May 2016.
Big Spring was founded in 1882 and incorporated in 1907. Big Spring’s population went from 25,233 at the 2000 Census to 27,282 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 22,541. That is roughly 11% fewer residents than in 2000.
Earlier hail records help too: SPC data show 98 hail reports within 5 miles of Big Spring between 1955 and 2015; the biggest stones, 5 inches, fell on May 10, 1996. Reports of 2-inch or bigger hail number 10 in that span. The NOAA Storm Prediction Center database shows 27 tornadoes that began within 10 miles of Big Spring from 1950 through 2015; the most powerful, rated EF2, touched down on April 16, 2009.
ZIP codes we serve in and around Big Spring
79720
Browse Texas insurance resources
Get home insurance quotes for Big Spring, TX
Big Spring residents get a comparison of 25+ carriers through Freedom Insurance Group. To get started, begin a home quote on our site or dial (800) 253-1482.
